These days, the medical costs are skyrocketing. A simple surgery in India can go up to lakhs of rupees in private hospitals. Add to it the extra expenses of pre and post-operative care, medicine costs, and follow-up expenses, and your medical bills. In some cases, even a competent health insurance plan is not sufficient to cover such high-expenses. This is when facilities like extra care plus policy can come to your rescue. It is a plan which offers a higher sum with at a reasonable premium. An extra care plus top-up plan can come for as little as INR 2500 pa.
Consider a scenario where your medical expenses reach up to INR 7 lakhs, but the health insurance plan that you have covers only for INR 5 lakhs. In such a scenario, a care plus plan can help cover for the extra INR 2 lakhs. This type of top-up plan is granted at a minimum premium amount. Under the Extra Care Plus Plan, you can select an aggregated deductible amount.
Cashless claim facility across 6000+ network hospitals all over India
You can avail floater plans to include coverage for your entire family under a single premium as well as sum assured
Any pre-existing diseases can be covered after 1 year from purchasing your Extra Care Plus Policy
No medical test required for policyholders up to 55 years of age
Coverage for in-patient hospital cover
Coverage for all-day care treatments
Coverage for emergency ambulance costs
Provisions for maternity and complications arising out of pregnancy
The Extra Care Plus Policy offers several advantages such as-
With the Insurance Wallet App, policyholders can make claims up to INR.20,000 with the most of Health CDC (Claim By Direct Click) for instant settlement
Extra Care Plus allows for swift claim settlement
Policyholders can enjoy tax benefits under Section 80 D of the Income Tax Act
As you get older, the chances of getting a renewal on your insurance plan decrease. However, with the Extra Care Plus Policy, you can get a lifetime renewal on your top-up plan.
The top-up plan allows buying an individual health insurance up to 55 years of age, without the need of undergoing any medical tests.
Unlike most insurance plans, the Extra Care Plus Plan offers a chance of 15-days free look period to test the benefits of the insurance plan.
The biggest reason to buy a top-up plan is to cover medical expenses in case your mediclaim policy proves insufficient. Top-up plan is the best option in cases where you are solely dependent on any healthcare policy for covering your medical costs. The top up plan can be viewed as a side alone policy, whose sum-assured can come in handy in case of any unexpected medical expense.
The lifetime renewal option can prove to be a boon, especially for people nearing their retirement. It becomes extremely difficult to buy or renew a health insurance plan for senior citizens. This is because people are more prone to diseases and critical medical condition in their old age. However, an Extra Care Plus Plan can come to the rescue in such situations.
The top-up plan also acts as a financial cushion in the face of rising inflation. The medical prices are expected to increase over time An Extra Care Plus Plan can prove helpful in covering any added medical expenses in the long run.
At the time of filing a claim, a policyholder will need to provide the proof of deductible amount on the medical insurance policy. Any claim that you make on the Extra Care Plus can be accepted on the deductible limit and is subject to terms and conditions under the top up insurance plan.
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